Citizens Challenge 2018-06-13T14:19:05+00:00

At Citizens Bank, we are committed to harnessing the unlimited potential of digital banking to help our customers reach their potential. We are pleased to be launching our “Citizens Challenge” — a platform for individual developers and start-ups to prepare and present innovative technology ideas in banking.

Co-sponsored by:

Register now

Challenge Prizes

Best overall app

Trophy + $0

Per team

Best commercial app

Amazon Echo Plus

1 per team member

Best consumer app


1 per team member

Social Media Hero

Snapchat Spectacles

Individual award


We are welcoming ideas that will unlock the technology’s potential based around four core challenge tracks:

360° Engagement

360° Engagement

1. How can we consolidate what we know about our customer in one place and leverage that data to predict their next move?
2. How can we use the different data streams available to us today – from inside the bank (CRM events, transaction history…etc) and outside (global news, segment/industry data, credit scoring,…etc) to engage context around how we can help our customers succeed?

Liquidity Crystal Ball

Liquidity Crystal Ball

1. What kind of tools can we develop to help our customers understand and address their liquidity and cash-flow challenges?
2. How can we better leverage predictive analytics using market data such as cash-flow and liquidity to help us reach and on-board prospective customers?

AI and Digital Engagement

AI and Digital Engagement

1. How can we best leverage AI platforms service customers and increase our response rate and support capabilities to customers?
2. How can we leverage the data that customers provide us and take this data to provide more insight into their banking functions such as spending habits and financial analytics?

Social Banking

Social Banking

1. How can we best formulate tools to further engage customers on our platforms and provide them services that provide more insight into their daily life (i.e. Personalization in Banking)?
2. What kind of interface optimizations can we develop to optimize on-boarding and verification for clients?


July 27th 2018

July 28th 2018

July 29th 2018

Available APIs

To bring your ideas to life, use the available sandbox environment powered by the Open Bank Project. It offers 160 banking APIs you can use in your prototypes.
Get API key
Go to API Explorer
Get API key
Go to API Explorer


Who, what, where, when & how

All intellectual property rights in the ideas and applications of a participant shall
remain owned by, and shall vest in, the participant who creates them. See Terms and Conditions for more information.

No! We will help you find a great team to join.
Sure, see this video from a recent hackathon, which was run by the Open Bank Project in London.

Travel refunds are intended to help students outside Boston to cover their travel costs. Participants are responsible for arranging their own travel and accommodation. Students can apply for confirmation of eligibility here. If your request gets confirmed, you can send your travel receipts up to $250 per student following the event to where refund will be processed. Please note that the refund is limited to $250 per student and will be allocated on a first come first served basis.

No, entrepreneurs, designers and anyone with bright ideas and energy is most welcome!

Perfect, come and have a great first experience!

No, not this time. At some point we’ll go to the pub, get some sleep and return bright and early!
If you have any questions, please contact us at:

District Hall, 75 Northern Ave, Boston, MA 02210, USA

Join leading financial technology startups and work with one of the largest regional banks in the United States!

Register now